University of Minnesota Health Plan Task Force January 14, 1998
Comparison of Health Insurance Purchasing Alternatives
Executive Summary Introduction Current Shortcomings Trends Alternative Models Profiles Retirees Further Analysis Summary
Appendices: 1, 2, 3, 4, 5, 6, 7, 8 Glossary

Appendix 6

Comparison of Employer Health Plans
Single Coverage

      Buyers Health Care Action Group
    Macalaster City of St. Paul Medtronic Toro Cargill Jostens Carlson
Health Plan Name   HealthPartners HealthPartners Medica HealthPartners M of Omaha HealthPartners Unicare I Unicare II Choice Plus MedCare 500 Choice Plus Choice Plus
Emergencies - Hosp   100% + $40 100% + $40 100% + $50 100% + $75 100% + $40 100% + $40 80% coverage 80% 100% + $10 80% 100% + $10 100% + $10
Hospital   100% 100% 100% + $100 100% + $100 100% 100% 80% 80% 100% + $100 80% 100% + $100 100% + $100
Outpatient   100% + $10 100% 100% + $10 100% + $10 100% + $10 100% + $10 80% 80% 100% + $10 80% 100% + $10 100% + $10
Mental Health   100% 100% 100% + $10 100% + $10 100% + $10 100% 80% < 40 days 80% < 40 100% + $10 100% + $15 100% + $10 100% + $10
Chiropractic   100% + $10 100% + $10 100% + $10 100% + $10 100% + $10 100% + $10 80% up to $50 80% up to $50 100% + $10 Not Covered 100% + $10 100% + $10
Home Health   100% + $15 100% < 120 day 80% 100% ?? 100% + $10 80% 80% 100% ?? 100% 100%
Prescriptions   $8.00 $8.00 $10 $10 $9.00 $8.00 $8 $8 $10 $12 $10 $10
Durable Med Equip   80% 80% 80% 90% 80% 80% 80% 80% 100% ?? 100% 100%
Preventive   100% 100% 100% + $10 100% + $10 100% 100% 90% 90% 100% + $10 Not Covered 100% + $10 100% + $10
Out-of-Network   80% 70% 70% covered 70% covered 80% 80% N/A N/A 70% N/A 70% 70%
Total Premium   $156.15 $178.95 $154.00 $123.00 $123.30 $129.11       $171.00 $177-$188  
Employee Premium   $0.00 $110.95 $39.00 $26.00 $24.66 $30.47 $30.00 $15.00 $10-$30 $9.00 $15-$26 $10.64-$24.48
Deductible   $0 $0 $0 $0 $0 $0 $250 $500 $0 $500 $0 $0
Annual OOP Max   $3,000 $400 $1,000 $1,500 $1,000 $1,000 $4,000 $6,000 $1,500 $5,000 $1,500 $1,500
Appendix 5: Same Comparison for Family Coverage
Appendix 8: Comparison of Retiree Benefits of Other Employers, Single Coverage